{"id":21208,"date":"2026-08-04T02:59:02","date_gmt":"2026-08-04T02:59:02","guid":{"rendered":"https:\/\/imsfund.com\/?p=21208"},"modified":"2026-08-04T02:59:02","modified_gmt":"2026-08-04T02:59:02","slug":"biggerpockets-pro-members-can-now-turn-home-equity-into-a-flexible-line-of-credit-with-aven","status":"publish","type":"post","link":"https:\/\/imsfund.com\/index.php\/2026\/08\/04\/biggerpockets-pro-members-can-now-turn-home-equity-into-a-flexible-line-of-credit-with-aven\/","title":{"rendered":"Biggerpockets Pro Members Can Now Turn Home Equity Into a Flexible Line of Credit With Aven"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div id=\"post-content\" :class=\"{ 'hidden': $store.proContent.showFullPrompt() }\">\n                            <!-- Table of contents: mobile --><\/p>\n<section class=\"px-4 relative border border-slate-200 mobile-toc lg:hidden\" x-data=\"{open:false}\">\n                    <button x-on:click=\"open = !open\" class=\"flex items-center gap-4 my-2 border-none w-full\"><br \/>\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"h-6 w-6\" fill=\"none\" viewbox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M4 8h16M4 16h16\"\/><\/svg><\/p>\n<p class=\"font-semibold text-slate-800 text-base m-0 js-toc-ignore\">In This Article<\/p>\n<p>                    <\/button><\/p>\n<\/section>\n<p><span data-preserver-spaces=\"true\">Home equity is one of the biggest, most underused assets most investors have. It\u2019s sitting there, tied up in the walls of a property<\/span><span data-preserver-spaces=\"true\">, while<\/span><span data-preserver-spaces=\"true\"> cash-out refinances take weeks and traditional home equity lines of credit (HELOCs) come with paperwork, appraisals, and closing costs that can make the whole process feel like more trouble than it\u2019s worth.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">That\u2019s the gap Aven is trying to close. BiggerPockets is excited to welcome Aven as our newest Pro perk partner, and the timing makes sense: More investors are looking for ways to access capital without taking on a new mortgage or waiting weeks for funds to hit their account.<\/span><\/p>\n<h2><span data-preserver-spaces=\"true\">What Aven Actually Is<\/span><\/h2>\n<p><a class=\"editor-rtfLink\" href=\"http:\/\/aven.com\/biggerpockets?utm_source=biggerpockets\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Aven\u2019s<\/span><\/a><span data-preserver-spaces=\"true\"> core product is a credit card backed by a home equity line of credit. In practice, that means you get a card you can use anywhere, for anything, but the credit line behind it is secured by your home\u2019s equity rather than your credit history alone. Because the line is secured, Aven can typically offer rates well below what you\u2019d find on a traditional, unsecured credit card.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">For homeowners, that opens up a few practical use cases:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Consolidating higher-interest debt onto a lower rate<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Funding a renovation or repair without pulling cash out of a deal<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Covering a large expense without applying for a separate loan<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Having a flexible credit line on hand for whatever comes up<\/span><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">The application process is designed to be fast and mostly online, which is a meaningful shift from the multi-week timelines that have historically come with home equity products.<\/span><\/p>\n<div class=\"justify-center \" x-data=\"{ IabAdad_block_: popAd(['r720x90'], '1') }\" :class=\"IabAdad_block_.linkURL ? 'flex pt-8' : 'hidden'\">\n    <a x-show=\"https:\/\/www.biggerpockets.com\/blog\/IabAdad_block_.linkURL\" :href=\"https:\/\/www.biggerpockets.com\/blog\/IabAdad_block_.linkURL\" x-on:click=\"adClicked('https:\/\/www.biggerpockets.com\/blog\/aven-heloc-pro-offer', IabAdad_block_.sponsor, IabAdad_block_.title, IabAdad_block_.id, 'blockAdClicked', 'blockAd', 'postContent')\" target=\"_blank\" x-init=\"adLoaded('https:\/\/www.biggerpockets.com\/blog\/aven-heloc-pro-offer', IabAdad_block_.sponsor, IabAdad_block_.title, IabAdad_block_.id, 'postContent')\" x-intersect:enter.once=\"adViewed('https:\/\/www.biggerpockets.com\/blog\/aven-heloc-pro-offer', IabAdad_block_.sponsor, IabAdad_block_.title, IabAdad_block_.id, 'blockAdViewed', 'blockAd', 'postContent')\"><\/p>\n<div class=\" hidden sm:block\">\n        <img class=\"m-0\" :src=\"https:\/\/www.biggerpockets.com\/blog\/IabAdad_block_.r720x90\" :alt=\"IabAdad_block_.r720x90Alt\" loading=\"lazy\" fetchpriority=\"low\"\/>\n      <\/div>\n<div class=\"block sm:hidden\">\n          <img class=\"m-0\" :src=\"https:\/\/www.biggerpockets.com\/blog\/IabAdad_block_.r320x50\" :alt=\"IabAdad_block_.r320x50Alt\" loading=\"lazy\" fetchpriority=\"low\"\/>\n        <\/div>\n<p>          <\/a>\n  <\/div>\n<h2><span data-preserver-spaces=\"true\">Why This Matters For Real Estate Investors<\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">Investors tend to have more of their net worth tied up in property than the average homeowner, which also means they have more equity sitting idle. A tool that makes that equity easier to access, without refinancing a low-rate mortgage or taking on a second loan with a lengthy approval process, is worth understanding, even if you don\u2019t use it right away.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">That doesn\u2019t mean a HELOC-backed credit card is the right fit for every situation. Like any credit product secured by your home, it\u2019s worth understanding the terms, the variable rate structure common to HELOCs, and how it fits into your overall financial picture before applying. But for investors who want more flexibility with the equity they\u2019ve already built, it\u2019s a tool worth having in the toolbox.<\/span><\/p>\n<h2><span data-preserver-spaces=\"true\">The Pro Perk<\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">Here\u2019s where the partnership gets interesting for BiggerPockets Pro members specifically: If you apply and get approved for the Aven card, Aven will give you a $400 statement credit when you spend $400, the same amount as an annual Pro membership.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">It\u2019s one of a growing number of Pro Perks we\u2019ve added because our members told us they wanted more than education and tools. They wanted partnerships that put real money back in their pockets.<\/span><\/p>\n<h2><span data-preserver-spaces=\"true\">Worth a Look<\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">Aven joins the lineup of Pro Perks built to help members put their real estate investments to work in more ways than one. If a lower-rate, home equity-backed line of credit is something you\u2019ve been curious about, this is a straightforward way to see what you qualify for.<\/span><\/p>\n<p><strong><a class=\"editor-rtfLink\" href=\"http:\/\/aven.com\/biggerpockets?utm_source=biggerpockets\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Click here to see if you qualify for the Aven card<\/span><\/a><span data-preserver-spaces=\"true\">.<\/span><\/strong><\/p>\n<p><em><span data-preserver-spaces=\"true\">Terms and conditions apply. Approval for the Aven card is subject to Aven\u2019s underwriting criteria, and <\/span><span data-preserver-spaces=\"true\">statement credit terms are set by Aven<\/span><span data-preserver-spaces=\"true\">. Review the full offer details before applying.<\/span><\/em><\/p>\n<aside class=\"my-10 xl:my-4\">\n<p class=\"font-bold mt-0 mb-4 text-xl text-slate capitalize\">You might also like<\/p>\n<\/aside><\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/www.biggerpockets.com\/blog\/aven-heloc-pro-offer\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In This Article Home equity is one of the biggest, most underused assets most investors have. It\u2019s sitting there, tied up in the walls of a property, while cash-out refinances take weeks and traditional home equity lines of credit (HELOCs) come with paperwork, appraisals, and closing costs that can make the whole process feel like [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":21209,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"fifu_image_url":"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2026\/07\/Aven_Logo_High-copy-2-1024x397.png","fifu_image_alt":"","footnotes":""},"categories":[9],"tags":[],"class_list":["post-21208","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/imsfund.com\/index.php\/wp-json\/wp\/v2\/posts\/21208","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/imsfund.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/imsfund.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/imsfund.com\/index.php\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/imsfund.com\/index.php\/wp-json\/wp\/v2\/comments?post=21208"}],"version-history":[{"count":1,"href":"https:\/\/imsfund.com\/index.php\/wp-json\/wp\/v2\/posts\/21208\/revisions"}],"predecessor-version":[{"id":21210,"href":"https:\/\/imsfund.com\/index.php\/wp-json\/wp\/v2\/posts\/21208\/revisions\/21210"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/imsfund.com\/index.php\/wp-json\/wp\/v2\/media\/21209"}],"wp:attachment":[{"href":"https:\/\/imsfund.com\/index.php\/wp-json\/wp\/v2\/media?parent=21208"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/imsfund.com\/index.php\/wp-json\/wp\/v2\/categories?post=21208"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/imsfund.com\/index.php\/wp-json\/wp\/v2\/tags?post=21208"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}